Stamp Duty RM What is included in the premium Commission paid to the insurance intermediaries (if any)
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1 BURGLARY INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.) 1. What is this product about? This policy insures your property against loss or damage due to burglary or robbery at the premises specified in the Schedule. 2. What are the covers/benefits provided? This policy covers loss or damage to your property due to - a) theft or attempted theft consequent upon forcible and violent entry into your premises b) damage to your premises due to such theft or attempted theft. Duration of cover is usually for one year. You need to renew your insurance policy annually. 3. How much premium do I have to pay? The premium you have to pay may vary depending on the sum insured, occupation or nature of business, building construction, insured property, claims experience etc. Sum Insured : RM Rate Applicable : % The estimated total premium is : RM 4. What are the fees and charges that I have to pay? What you have to pay in addition to the premium Amount Goods and Services Tax (GST) 0% of premium Stamp Duty RM What is included in the premium Commission paid to the insurance intermediaries (if any) Amount up to 25% of premium 5. What are some of the key terms and conditions that I should be aware of? a) DUTY OF DISCLOSURE Non-Consumer Insurance Contract Pursuant to Paragraph 4(1) of Schedule 9 of the Financial Services Act 2013, if you are applying for this Insurance for purposes related to your trade, business or profession, you have a duty to disclose any matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant, otherwise it may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance This duty of disclosure shall continue until the time the contract is entered into, varied or renewed. You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us, any of the information given in the Proposal Form is inaccurate or has changed. b) Premium Warranty Premium must be paid within 60 days from the inception date of the cover, otherwise the cover will automatically be cancelled. Please take note that you are still responsible to pay the proportion of the premium for the 60 days. c) Sum Insured You must ensure that your property is insured at the appropriate amount. d) Claims Upon the happening of an accident which gives rise to a claim, you shall notify us immediately. e) Renewal Depending on the circumstances of the loss or claims made during the term of policy, we may review the policy terms and conditions upon renewal or decline renewal. (Burglary/PDS ) 1
2 f) Payment Mode Payment can be made by cash, credit card or GIRO to Berjaya Sompo Insurance Berhad. Insist on a receipt of the premium paid as proof of payment for future reference. Note: This list is non-exhaustive. Please refer to the policy contract for the full list of the terms and conditions under this policy. 6. What are the major exclusions under this policy? This policy does not cover :- Loss/damage arising from war, terrorism and nuclear risks; a) Loss/damage due to confiscation or destruction or order by government or authority; b) Loss/damage if the premise is unoccupied for more than 30 consecutive days; c) Loss/damage due to any theft or attempted theft by any of the Insured s family business staff or domestic servants or any person lawfully on the premises. Note 1: The Premises as mentioned in the Schedule does not include any yard, garden, outbuilding or other appurtenances unless specified in the Schedule. Note 2: This list is non-exhaustive. Please refer to the policy contract for the full list of the exclusions under this policy. 7. Can I cancel my policy? You may cancel your policy at any time by giving written notice to us. Upon cancellation, any refund premium would be based on the conditions as stated in the policy contract. 8. What do I need to do if there are changes to my contact / personal details? Please inform us on any change in your contact details so that all correspondences will reach you in a timely manner. 9. Where can I get further information? If you have any enquiries, please contact us during operating hours from 8.30 am 5 pm (Monday Friday) at: Customer Service Centre Berjaya Sompo Insurance Berhad (62605-U) Level 36, Menara Bangkok Bank 105, Jalan Ampang Kuala Lumpur Tel. : Fax : Toll Free : (Within Malaysia) info@bsompo.com.my Website : IMPORTANT NOTE: YOU MUST ENSURE THAT YOUR PROPERTY IS INSURED AT THE APPROPRIATE AMOUNT. YOU SHOULD READ AND UNDERSTAND THE INSURANCE POLICY AND DISCUSS WITH THE AGENT/BROKER OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR MORE INFORMATION.. The information provided in this disclosure sheet is a brief summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy contract. Berjaya Sompo Insurance Berhad is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia. The information provided in this disclosure sheet is valid as at 1 Jul,
3 INSURANS PECAH MASUK Lembaran Pendedahan Produk (Sila baca Lembaran Pendedahan Produk ini sebelum anda membuat keputusan untuk membeli insurans ini. Pastikan anda juga membaca terma dan syarat am.) 1. Apakah produk ini? Polisi ini melindungi harta anda daripada kerugian atau kerosakan akibat pencurian atau rompakan di premis yang dinyatakan dalam Jadual. 2. Apakah perlindungan / faedah yang disediakan? Polisi ini melindungi kerugian atau kerosakan pada harta anda disebabkan oleh:- a) kecurian atau cubaan kecurian akibat kemasukan paksa dan kekerasan ke dalam premis anda b) kerosakan ke premis anda disebabkan kecurian atau cubaan kecurian. Tempoh perlindungan biasanya selama setahun. Anda dikehendaki membaharui polisi insurans anda setiap tahun. 3. Berapakah premium yang saya perlu bayar? Premium yang anda perlu bayar mungkin berbeza bergantung kepada jumlah yang diinsuranskan, jenis perniagaan, pembinaan bangunan, harta yang diinsuranskan, pengalaman tuntutan dan lain-lain Jumlah Diinsuranskan : RM Kadar yang dikenakan : % Jumlah premium teranggar ialah : RM 4. Apakah yuran dan caj yang saya perlu bayar? Apa yang anda perlu bayar sebagai tambahan kepada premium Jumlah Cukai Barangan dan Perkhidmatan (CBP) 0% daripada premium Duti setem RM Apa yang termasuk dalam premium Komisen yang dibayar kepada pengantara insurans (jika ada) Jumlah Sehingga 25% daripada premium 5. Apakah terma dan syarat utama yang saya harus ketahui? a) Kewajipan Pendedahan Kontrak Insurans Komersial Menurut Perenggan 4(1) Jadual 9 Akta Perkhidmatan Kewangan 2013, jika anda memohon insurans ini untuk tujuan yang berkaitan dengan perdagangan, perniagaan atau profesion anda, anda berkewajipan untuk mendedahkan apa-apa perkara yang anda tahu akan mempengaruhi keputusan kami dalam menerima risiko dan menentukan kadar dan terma yang dikenakan, dan apa-apa perkara yang munasabah yang boleh dijangka, jika tidak ia boleh menyebabkan pembatalan kontrak insurans, keengganan atau pengurangan ganti rugi, perubahan terma atau penamatan kontrak insurans anda. Kewajipan pendedahan untuk Kontrak Insurans Pengguna dan Kontrak Insurans Komersial hendaklah diteruskan sehingga kontrak insurans anda dimeterai, diubah atau diperbaharui dengan kami. Anda juga mempunyai kewajipan untuk memberitahu kami dengan serta-merta jika pada bilabila masa selepas kontrak insurans anda ditandatangani, diubah atau diperbaharui dengan kami, apa-apa maklumat yang dinyatakan dalam Borang Cadangan ini tidak tepat atau telah berubah. b) Waranti Premium Premium mesti dibayar dalam masa 60 hari dari tarikh bermulanya perlindungan, jika tidak perlindungan secara automatik akan dibatalkan. Sila ambil perhatian bahawa anda masih bertanggungjawab untuk membayar perkadaran premium bagi 60 hari. c) Jumlah Diinsuranskan Anda harus memastikan harta anda diinsuranskan pada amaun yang berpatutan. d) Tuntutan Apabila terjadinya kemalangan yang menimbulkan tuntutan, anda harus memberitahu kami dengan segera. (Burglary/PDS ) 1
4 e) Pembaharuan Bergantung kepada keadaan kerugian atau tuntutan dibuat semasa tempoh polisi, kami boleh mengkaji semula terma-terma dan syarat-syarat polisi pada masa pembaharuan atau menolak pembaharuan. f) Kaedah Pembayaran Bayaran boleh dibuat melalui Tunai, Kad Kredit atau GIRO kepada Berjaya Sompo Insurance Berhad. Sentiasa meminta resit untuk premium yang dibayar sebagai bukti pembayaran untuk rujukan masa depan. Nota: Senarai ini adalah tidak lengkap. Sila rujuk kepada kontrak polisi untuk senarai penuh terma dan syarat di bawah polisi ini. 6. Apakah pengecualian utama di bawah polisi ini? Polisi ini tidak melindungi: a) Kerugian / kerosakan yang timbul daripada peperangan, keganasan dan risiko nuklear; b) Kerugian / kerosakan akibat rampasan atau pemusnahan atau perintah oleh kerajaan atau pihak berkuasa; c) Kerugian / kerosakan jika premis tidak didiami selama lebih dari 30 hari berturut-turut; d) Kerugian / kerosakan akibat sebarang kecurian atau cubaan kecurian oleh mana-mana kakitangan perniagaan keluarga Pihak Diinsuranskan atau pekhidmat domestik atau mana-mana pekerja yang sah di premis itu. Nota 1: Premis seperti yang dinyatakan di dalam Jadual tidak termasuk sebarang halaman, taman, bangunan luar atau lain-lain aplikatori kecuali dinyatakan dalam Jadual. Nota 2: Senarai ini tidak lengkap. Sila rujuk kontrak polisi untuk senarai penuh pengecualian di bawah polisi ini. 7. Bolehkah saya batalkan polisi saya? Anda boleh membatalkan polisi anda pada bila-bila masa dengan memberi notis bertulis kepada kami. Selepas pembatalan, sebarang bayaran balik premium akan berdasarkan pada syarat-syarat seperti yang dinyatakan dalam kontrak polisi. 8. Apakah yang harus saya lakukan jika terdapat perubahan dalam butiran perhubungan saya? Sila maklumkan kepada kami tentang sebarang perubahan mengenai maklumat anda bagi memastikan semua surat-menyurat sampai kepada anda tepat pada masanya. 9. Di manakah saya boleh dapatkan maklumat lanjut? Sekiranya anda mempunyai sebarang pertanyaan, sila hubungi kami waktu beroperasi dari jam 8.30 pagi hingga 5 petang (Isnin Jumaat) di:- Pusat Khidmat Pelanggan Berjaya Sompo Insurance Berhad (62605-U) Tingkat 36, Menara Bangkok Bank 105, Jalan Ampang Kuala Lumpur Tel. : Faks : Talian bebas tol : (Dalam Malaysia) E-mel : info@bsompo.com.my Laman web : NOTA PENTING: ANDA MESTI MEMASTIKAN HARTA ANDA DIINSURANSKAN PADA JUMLAH YANG BERPATUTAN. ANDA PERLU MEMBACA DAN MEMAHAMI POLISI INSURANS DAN BERBINCANG DENGAN EJEN/BROKER ATAU TERUS MENGHUBUNGI SYARIKAT INSURANS UNTUK KETERANGAN LEBIH LANJUT. Maklumat yang diberikan di dalam Lembaran Pendedahan Produk ini cuma penerangan ringkas untuk rujukan cepat dan mudah. Terma dan syarat yang lengkap yang dikenakan adalah terkandung di dalam kontrak polisi. 2
5 Berjaya Sompo Insurance Berhad dilesenkan di bawah Akta Perkhidmatan Kewangan 2013 dan dikawalselia oleh Bank Negara Malaysia. Maklumat yang disediakan dalam lembaran pendedahan ini adalah sah bermula dari 1 Jul,
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